WO2011110697A1 - Procédé et système pour effectuer une transaction - Google Patents

Procédé et système pour effectuer une transaction Download PDF

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Publication number
WO2011110697A1
WO2011110697A1 PCT/ES2010/070128 ES2010070128W WO2011110697A1 WO 2011110697 A1 WO2011110697 A1 WO 2011110697A1 ES 2010070128 W ES2010070128 W ES 2010070128W WO 2011110697 A1 WO2011110697 A1 WO 2011110697A1
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
image
user
payment
terminal
Prior art date
Application number
PCT/ES2010/070128
Other languages
English (en)
Spanish (es)
Inventor
Javier MARTÍNEZ ELICEGUI
Pedro José ORTEGA BARRADO
Eduardo Villoslada De La Torre
Original Assignee
Telefonica, S.A.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Telefonica, S.A. filed Critical Telefonica, S.A.
Priority to BR112012022785A priority Critical patent/BR112012022785A2/pt
Priority to MX2012010196A priority patent/MX2012010196A/es
Priority to US13/582,329 priority patent/US20130060697A1/en
Priority to EP10719012A priority patent/EP2546791A1/fr
Priority to PCT/ES2010/070128 priority patent/WO2011110697A1/fr
Priority to ARP110100701A priority patent/AR080464A1/es
Publication of WO2011110697A1 publication Critical patent/WO2011110697A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3265—Payment applications installed on the mobile devices characterised by personalisation for use

Definitions

  • the present invention relates to the sector of carrying out transactions, and more particularly to carrying out payment transactions.
  • EMV Europay, MasterCard and Visa
  • http: // en. w ⁇ ki pedia, orq / wi ki / EMV is a widely distributed standard, developed by the Europay, MasterCard and VISA alliance for the interoperability of chip cards. These cards incorporate a chip as protection against fraud suffered by magnetic stripe cards, for example cloning, capturing data from the magnetic stripe, replacing the signature with a PIN, etc.
  • Figure 1 shows a classic scheme of the Card Payment Process in the case of a store located in a first country and a customer that has a card 10 with a issuing bank 30 from another country.
  • the POS 20s are connected to an acquiring financial entity 40 ("Acquirer Bank") that handles the transactions of the POS.
  • the merchant has a bank account where payments are deposited.
  • the credit / debit cards 10 of paying users are associated with a bank account of an issuing bank (“Issuer Bank”) where payment amounts are due.
  • Issuer Bank an issuing bank
  • the charge is immediate or a period of time is postponed (the financial entity 30 anticipates the amount to the merchant as a loan to the card user).
  • the POS communicates with intermediary entities between banks, represented by the Processing Services Layer, 50 in charge of redirecting the transaction to the issuing bank 30 of the card (Payment Switch function / Redirect Payments) and attest to the result of it (Settiement and Clearinghouse function / Settlement and Compensation).
  • the Processing Services Layer relies on "International Payment Networks" 60 (usually managed by card brand infrastructure) to contact a issuing bank that is in any other country of the world.
  • the mobile phone is modified to incorporate a secured keyboard and / or a card reader (optionally external printer by Bluetooth)
  • a secured keyboard and / or a card reader optionally external printer by Bluetooth
  • An example of this type of solution is MTT Way Systems or Mophie Phone credit card reader.
  • the card data is entered manually in the mobile phone, because there is no card reader, similar to how it is made in an Internet purchase (eg: Phone application TechFlash).
  • a device with card reader and printer which communicates by
  • a secured keyboard and a card reader connected to the mobile phone (ex: HomeATM).
  • the mobile phone that incorporates a secured keyboard and / or a card reader, has as its main drawback the cost of physically modifying the phone.
  • CNP Cardholder Not Present Payment
  • the EMV standard requires entering the PIN on a physically secured keyboard and this solution does not have of the. It is also considered a method vulnerable to fraud (CNP).
  • US patent application 2009/0182634 A1 discloses a method and system for the use of a payment method based on an image stored in the user's mobile phone.
  • the image replaces the credit or debit card.
  • the user shows the image to the merchant's POS to complete a transaction.
  • the image is scanned and the user's account is charged with the corresponding amount.
  • this solution is also vulnerable to fraud, since a third party that get the image you can use it for illegal payments.
  • the solution of this invention does not require physical modifications of the mobile phone, does not require additional devices, is economical and can be considered as a solution with a very high level of security, which guarantees with high level of reliability that the payment is made by the card owner.
  • a model is proposed in which it is paid with the mobile without requiring the carrying of the plastic credit / debit cards, and where the POS is replaced by a mobile telephone.
  • BIDI is a bi-directional graphic code owned by Movistar
  • OTP (acronym for "One Time Password") is a model of
  • the payment procedure is as follows:
  • the paying user identifies himself from his mobile phone in the payment application and requests a BIDI-OTP code for a payment of a certain amount. 2. You will then receive a BIDI with a validity of a short period of time (ex: 2 min).
  • the merchant has a POS program installed on his mobile phone that directly handles the camera.
  • a message arrives to the paying user and the POS application confirming or rejecting the payment (e-ticket).
  • This procedure maintains high levels of security, avoiding displaying or transmitting sensitive data (card data and / or phone numbers), using a single-use BIDI-OTP code and using digital certificates and signatures that protect both communications and communication. application and information stored in the mobile phone.
  • Figure 1 Shows a scheme of the payment process with prior art cards.
  • Figure 2. Shows an example of a BIDI code.
  • Figure 3. Shows a BIDI-OTP architecture according to an embodiment of the invention.
  • Figure 4.- Shows the installation flows of the applications necessary to implement the embodiment according to figure 3.
  • BIDI-OTP code a BIDI code that is only valid during a transaction and expires after a short period of time after its activation.
  • Figure 2 shows an example of a BIDI code 200.
  • a BIDI-OTP 300 server that includes the software responsible for creating and managing BIDIs during their lifetime.
  • a payment server (transaction server) 310, which is the centerpiece of the embodiment. It includes the software that manages and coordinates the payment process, establishing communication with the rest of the architecture elements. Likewise, it keeps databases under strict security measures with the confidential information of the solution (card details, telephone numbers, etc.).
  • a payment gateway 320 comprising the software responsible for routing payment transactions generated from the POS solution with BIDI-OTP, to the entities that offer the "Processing Services" on different POS technologies.
  • the BIDI-OTP server 300, the payment server 310 and the payment gateway 320 together can be considered to offer a new type of Processor Service called BIDI-OTP POS.
  • the architecture includes:
  • a user payment application 330 which is the software installed on the mobile of the paying user.
  • a POS 340 application which is the software installed on the merchant's mobile phone that incorporates the typical functions of a POS.
  • Payment Switching, Settlement and Clearinghouse 350 are the usual Services in the Means of Payment by Card, made in Spain by financial institutions such as SERMEPA, Red 6000, etc.
  • POS 360 which represents the current POS connected to the Redirection, Liquidation and Compensation Services.
  • CA Certificate Authority
  • TSM Trusted Service Manager
  • GSM Association the association that represents the interests of the global mobile phone industry
  • SIM Subscriber Identity Module
  • UICC Universal Integrated Circuit Card
  • the application software must be installed on the mobile phone, either by downloading it via the Internet or by other means.
  • the operator installs the program in the SIM / UICC, either pre-installed or by update using OTA (Over The Air "; Procedure by which the operators can update the information of the SIM / UICC of the phones from distance).
  • both the software is signed and the communications are encrypted through digital certificates.
  • the mobile phone software is signed with a digital certificate, protecting itself from being replaced by malicious software (Trojans).
  • the software has access to reserved information of the service stored in the
  • SIM / UICC for example: BIDI-OTP service usage key, card list, payment limits, etc.
  • BIDI-OTP service usage key for example: BIDI-OTP service usage key, card list, payment limits, etc.
  • the BIDI-OTP service is registered in the SIM / UICC once a new paying / merchant user has been registered.
  • Payment server 310 requests the TSM 380 to update the BIDI-OTP service parameterization in the SIM / UICC (step 400).
  • TSM 380 requests new certificates from certificate authority 370 (step 410).
  • the TSM 380 updates the information in the SIM / UICC through OTA (step 420).
  • the paying user / merchant configures the service.
  • 2.1 - User payment applications 330 or POS 340 access the parameterization of the service stored in the SIM / UICC (step 430). They also request the paying user / merchant to access the service that is contrasted with the password stored in the SIM / UICC.
  • the non-confidential data is stored in the unsafe storage of the mobile and the confidential data is encrypted and sent to the server of payments 310 (step 440).
  • the payment server 310 initially accesses the certificate authority 370 (step 450) to obtain the public key and decrypt the information received, then store the information received in its database or update the SIM information / UICC (steps 400 and 420).
  • the paying user executes the user payment application 330.
  • the security application identifies the user / payer, showing personalized service information stored in the SIM / UICC that a fake program could not know (step 500).
  • Payment data 310 is sent to the payment server.
  • This information is encrypted and can be sent by SMS or by communication Direct through the Internet (step 510), as interested in each case by the characteristics of the telephone and / or type of telephone contract of the client.
  • Payment server 310 obtains from the BIDI-OTP server a new BIDI with expiration for a limited period of time (for example: 2 minutes) (step 520).
  • the payment server 310 sends a BIDI-OTP to the telephone that is valid for the requested payment (step 530).
  • This BIDI can be sent by MMS or by direct communication with the user payment application when the mobile has direct access to the Internet.
  • the merchant executes the POS 340 application.
  • This application follows security procedures similar to those described for the user payment application (step 540), such as requesting a password and displaying personalized service information stored in the SIM / UICC that a program Fake could not know.
  • the BIDI image is displayed on the screen of the paying user's mobile and the merchant approaches the camera of his mobile phone to the paying user's mobile phone to recognize said BIDI image (step 550).
  • the POS 340 application sends the BIDI information encrypted to the payment server 310 (step 560).
  • this communication is preferably not by MMS or SMS but by direct data access via the Internet.
  • the payment server 310 verifies through the BIDI-OTP server 300 the validity of the received BIDI (step 565), notifying the POS of the error in case of failure.
  • the payment server 310 informs the POS application 340 of the characteristics of the transaction (for example: Payment / Return, amount, etc.) for the merchant to accept / reject (step 570).
  • the payment server 310 informs the payment gateway 320 of the card details and payment amount (step 580).
  • the payment gateway 320 according to the characteristics of the payment processes the transaction to the payment card processor that most interests in each case (step 585). Once a response has been obtained, the payment gateway informs the payment server 310 of the authorization or rejection of the payment (step 590).
  • the payment server 310 informs the paying user of the result of the transaction and the payment reference (e-ticket) (step 595).
  • This communication is by SMS or by direct communication through the Internet, according to each case interest in the characteristics of the telephone and / or type of telephone contract of the client.
  • the payment server 310 informs the POS application 340 of the result of the transaction (step 600).
  • the paying user selects the application option corresponding to returns, providing the reference number of the transaction to be returned, and the associated amount.
  • This return information is communicated to the payment server 310 which verifies if the reference is correct and if it belongs to a payment made by the same paying-merchant user reference. The rest of the flow is similar to the flow described above for a payment.
  • the paying user and the merchant can access via web to consult their transactions and print detailed information of the same.
  • the current mobile phones of paying users are adapted as a means of payment for credit / debit cards.
  • This solution allows users to perform payments of your credit / debit cards via mobile phone, similar to pilots with NFC ("Near Field Communications". Wireless communication standard, see http://en.wikipedia.org/wiki/Near Field Communication) developed by VISA, MasterCard, etc., but without needing to have a telephone with NFC technology.
  • the mobile phones of merchants are adapted as POS.
  • This solution allows you to adapt by software any camera phone as a POS.
  • the merchant can reuse his phone as a POS without the need to transport an additional device. This advantage is highlighted when the volume of payments is relatively small.
  • the BIDI-OTP does not incorporate any information about the card or phone, it is only a temporary code that the payment server knows how to associate with the data of a transaction.
  • A2F factor 2
  • the service cannot be used by third parties because they do not know the password of the same and in case of knowing the password it is not possible to access the service from another mobile phone with another SIM / UICC.
  • the service is easily deactivated and transferable to another mobile phone (and SIM / UICC) once the incident is reported.

Abstract

L'invention concerne un procédé et un système pour effectuer une transaction. Le procédé de l'invention comprend les étapes suivantes qui consistent : à fournir un image valide uniquement pour une transaction déterminée (520); à afficher l'image sur un écran d'un terminal de communication d'un premier utilisateur impliqué dans la transaction déterminée; à reconnaître l'image affichée au moyen d'un terminal d'un deuxième utilisateur impliqué dans la transaction déterminée; à vérifier la validité de l'image reconnue (565); et une fois l'image validée, à effectuer la transaction déterminée (585).
PCT/ES2010/070128 2010-03-08 2010-03-08 Procédé et système pour effectuer une transaction WO2011110697A1 (fr)

Priority Applications (6)

Application Number Priority Date Filing Date Title
BR112012022785A BR112012022785A2 (pt) 2010-03-08 2010-03-08 método e sistema para realizar uma transação
MX2012010196A MX2012010196A (es) 2010-03-08 2010-03-08 Procedimiento y sistema para realizar una transaccion.
US13/582,329 US20130060697A1 (en) 2010-03-08 2010-03-08 Method and system for performing a transaction
EP10719012A EP2546791A1 (fr) 2010-03-08 2010-03-08 Procédé et système pour effectuer une transaction
PCT/ES2010/070128 WO2011110697A1 (fr) 2010-03-08 2010-03-08 Procédé et système pour effectuer une transaction
ARP110100701A AR080464A1 (es) 2010-03-08 2011-03-04 Procedimiento y sistema para realizar una transaccion

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/ES2010/070128 WO2011110697A1 (fr) 2010-03-08 2010-03-08 Procédé et système pour effectuer une transaction

Publications (1)

Publication Number Publication Date
WO2011110697A1 true WO2011110697A1 (fr) 2011-09-15

Family

ID=42244338

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ES2010/070128 WO2011110697A1 (fr) 2010-03-08 2010-03-08 Procédé et système pour effectuer une transaction

Country Status (6)

Country Link
US (1) US20130060697A1 (fr)
EP (1) EP2546791A1 (fr)
AR (1) AR080464A1 (fr)
BR (1) BR112012022785A2 (fr)
MX (1) MX2012010196A (fr)
WO (1) WO2011110697A1 (fr)

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WO2013062459A3 (fr) * 2011-10-26 2013-07-11 Mopper Ab Procédé et dispositif pour donner une autorisation à un utilisateur
EP2698755A1 (fr) * 2012-08-17 2014-02-19 redpixtec. GmbH Système de paiement mobile

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US20140279107A1 (en) * 2013-03-14 2014-09-18 William P. Vasquez Systems and methods for integrated, secure point-of-sale transactions
US20160005036A1 (en) * 2014-07-03 2016-01-07 Mistral Mobile Hce token secure delivery without data connectivity
WO2016092318A1 (fr) * 2014-12-12 2016-06-16 Cryptomathic Ltd Systèmes et procédé permettant de générer une transaction sécurisée
TR202003177A2 (tr) * 2020-03-02 2021-09-21 Softpos Teknoloji Anonim Sirketi Yazilim tabanli poslarda kart sahi̇bi̇ni̇ tek kullanimlik şi̇fre i̇le doğrulayan si̇stem ve yöntem

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WO2001041081A2 (fr) * 1999-12-03 2001-06-07 First Hop Oy Procede et systeme d'obtention de services via un systeme de telecommunication cellulaire
US20010051915A1 (en) * 2000-03-29 2001-12-13 International Business Machines Corporation Data transfer system using mobile terminal and two-dimensional barcode
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EP1758053A1 (fr) * 2005-08-01 2007-02-28 Fujitsu Limited Portefeuille informatique sans fil pour les transactions physiques dans les points de vente (PDV)
WO2008027620A1 (fr) * 2006-03-30 2008-03-06 Obopay Inc. Système de paiement mobile entre deux personnes
WO2008100813A1 (fr) * 2007-02-12 2008-08-21 Visa U.S.A. Inc. Services de paiement mobiles
WO2009017754A1 (fr) * 2007-07-30 2009-02-05 Ebay Inc. Procédé et système pour un financement dynamique
US20090182634A1 (en) 2008-01-10 2009-07-16 Park David S Image-Based Payment Medium

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2013062459A3 (fr) * 2011-10-26 2013-07-11 Mopper Ab Procédé et dispositif pour donner une autorisation à un utilisateur
EP2771852A4 (fr) * 2011-10-26 2015-07-29 Mopper Ab Procédé et dispositif pour donner une autorisation à un utilisateur
US10423950B2 (en) 2011-10-26 2019-09-24 Mopper Ab Method and arrangement for authorizing a user
EP2698755A1 (fr) * 2012-08-17 2014-02-19 redpixtec. GmbH Système de paiement mobile

Also Published As

Publication number Publication date
EP2546791A1 (fr) 2013-01-16
AR080464A1 (es) 2012-04-11
US20130060697A1 (en) 2013-03-07
BR112012022785A2 (pt) 2016-06-14
MX2012010196A (es) 2012-10-03

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